CN111861712A - Power input and output rate credit investigation and wind control evaluation based method, device, equipment and medium - Google Patents
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Abstract
The embodiment of the invention discloses a credit investigation and wind control evaluation method, device, equipment and storage medium based on power input and output rate. The method comprises the following steps: acquiring the power consumption input rate of an enterprise to be evaluated within a set time; the set duration is one period; grading the enterprise to be evaluated according to the power consumption input rate; and evaluating the enterprise to be evaluated according to the scores. The credit investigation and wind control evaluation method based on the electric power input and output rate provided by the embodiment of the invention realizes the evaluation of enterprises and provides a basis for credit investigation evaluation and risk control.
Description
Technical Field
The embodiment of the invention relates to the technical field of credit investigation and wind control evaluation, in particular to a method, a device, equipment and a storage medium for credit investigation and wind control evaluation based on power input and output rate.
Background
With the rapid development of automation technology, the automation degree of most manufacturing industries is high, and the manufacturing industries are no longer 'manual workshops', and electric energy becomes a main energy form for the manufacturing industries to develop production. The electric energy drives equipment to convert into productivity to carry out production. Therefore, the evaluation of the operation condition of the enterprise based on the power big data becomes an effective evaluation means for the enterprise.
In the prior art, only the power consumption is adopted to evaluate an enterprise, and the single power consumption cannot accurately reflect the operation condition of the enterprise, so that the evaluation of the enterprise is inaccurate, and accurate reference cannot be provided for credit investigation and wind control evaluation in financial services.
Disclosure of Invention
The embodiment of the invention provides a credit investigation and wind control assessment method, device, equipment and storage medium based on electric power input and output rate, which are used for realizing enterprise assessment and providing a basis for credit investigation assessment and risk control.
In a first aspect, an embodiment of the present invention provides a credit investigation and wind control evaluation method based on a power input and output rate, including:
acquiring the power consumption input rate of an enterprise to be evaluated within a set time; the set duration is one period;
grading the enterprise to be evaluated according to the power consumption input rate;
and evaluating the enterprise to be evaluated according to the scores.
Further, the method is used for enterprise credit assessment; and scoring the enterprise to be evaluated according to the power consumption input rate, wherein the scoring comprises the following steps:
determining a first score according to the same-proportion increase rate of the electricity consumption input rate;
determining a second score according to the ring ratio growth rate of the electricity consumption input rate;
determining a third score according to the power consumption input rate and the average input rate of the group where the enterprise to be evaluated is located;
determining a fourth score according to the power shortage charge condition of the enterprise to be evaluated;
and accumulating the first score, the second score, the third score and the fourth score to obtain a final score of the enterprise to be evaluated.
Further, determining a third score according to the power consumption input rate and the average input rate of the group where the enterprise to be evaluated is located includes:
calculating a first rate of increase in the electricity input rate relative to the average input rate;
calculating a second rate of increase in electricity usage input yield relative to the average input yield for a first ranked enterprise in the cohort;
calculating a difference between the first growth rate and the second growth rate;
setting a third score of a first-ranked business in the group to be a first set value;
and calculating a third score of the enterprise to be evaluated according to the difference value and the first set value.
Further, evaluating the enterprise to be evaluated according to the scores, including:
obtaining the scores of all enterprises in the group of the enterprise to be evaluated;
respectively sequencing the scores of the enterprises in a plurality of periods to obtain a plurality of sequencing results;
and evaluating the enterprise to be evaluated according to the sequencing results.
Further, the method is used for risk control; the input yield rate comprises a total electric quantity input yield rate, a peak electric quantity input yield rate, a flat electric quantity input yield rate and a valley electric quantity input yield rate; and scoring the enterprise to be evaluated according to the power consumption input rate, wherein the scoring comprises the following steps:
calculating a geometric growth score of the enterprise to be evaluated; the percentage increase score comprises a total electric quantity input and output percentage;
weighting and summing the total electric quantity production and yield geometric score, the peak electric quantity production and yield geometric score, the flat electric quantity production and yield geometric score and the valley electric quantity production and yield geometric increase score to obtain a fifth score;
calculating the ring ratio growth score of the enterprise to be evaluated; the ring ratio increase score comprises a total electricity input-output ring ratio score, a peak electricity input-output ring ratio score, a flat electricity input-output ring ratio score and a valley electricity input-output ring ratio increase score;
weighting and summing the total electric quantity production rate ring ratio score, the peak electric quantity production rate ring ratio score, the flat electric quantity production rate ring ratio score and the valley electric quantity production rate ring ratio increase score to obtain a sixth score;
and obtaining the final score of the enterprise to be evaluated according to the fifth score and the sixth score.
Further, the period is one day; calculating a peer growth score of the enterprise to be evaluated, comprising:
acquiring the electricity consumption input rate of the month same as the month of the previous year and the current day, and determining the electricity consumption input rate as a first input rate;
calculating a peer growth score based on the current electricity input rate and the first input rate.
Further, calculating a ring ratio growth score of the enterprise to be evaluated, comprising:
acquiring the electricity consumption input rate of a set number of days before the current day, and determining the electricity consumption input rate as a second input rate;
calculating a ring ratio increase score based on the current usage yield and the second yield.
In a second aspect, an embodiment of the present invention further provides a credit investigation and wind control evaluation device based on an electric power input/output rate, including:
the power consumption input rate acquisition module is used for acquiring the power consumption input rate of the enterprise to be evaluated within a set time; the set duration is one period;
the scoring module is used for scoring the enterprise to be evaluated according to the power consumption input rate;
and the evaluation module is used for evaluating the enterprise to be evaluated according to the scores.
In a third aspect, an embodiment of the present invention further provides a computer device, where the computer device includes: the system comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the credit investigation and wind control evaluation method based on the electric power input and output rate according to the embodiment of the invention.
In a fourth aspect, the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processing device, implements a method for assessing credit and wind control based on power input and output according to an embodiment of the present invention.
According to the embodiment of the invention, the power consumption input and output rate of the enterprise to be evaluated in the set time is firstly obtained, then the enterprise to be evaluated is scored according to the power consumption input and output rate, and finally the enterprise to be evaluated is evaluated according to the score. The credit investigation and wind control evaluation method based on the electric power input and output rate provided by the embodiment of the invention realizes the evaluation of enterprises and provides a basis for credit investigation evaluation and risk control.
Drawings
Fig. 1 is a flowchart of a credit investigation and wind control evaluation method based on power input/output rate according to a first embodiment of the present invention;
FIG. 2 is a diagram illustrating a scenario of credit assessment for an enterprise according to a first embodiment of the present invention;
FIG. 3 is a visualization of ring ratio growth in accordance with an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a credit investigation and wind control evaluation device based on power input/output rate according to a second embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device in a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a credit investigation and wind control evaluation method based on power input and output rate according to an embodiment of the present invention, which is applicable to an enterprise evaluation situation, and the method can be executed by a credit investigation and wind control evaluation device based on power input and output rate, as shown in fig. 1, the method specifically includes the following steps:
and step 110, acquiring the power consumption input rate of the enterprise to be evaluated within a set time.
Wherein the set duration is one period. The period may be set to one day, one week, one month, etc. The calculation mode of the power utilization input rate is that the average power of the power utilization of the enterprise in a set time length is divided by the operation capacity of the enterprise. In this embodiment, the power consumption input rate may include a total power input rate, a peak power input rate, a flat power input rate, and a valley power input rate. Wherein, the total electric quantity input yield is obtained by dividing the average power calculated by the total electric quantity in the set time length by the operation capacity. The peak electric quantity production rate, the flat electric quantity production rate and the valley electric quantity production rate are obtained by dividing the average power obtained by calculating the total electric quantity in the time interval respectively corresponding to the peak flat section and the valley section by the operation capacity according to the power supply business rule. Illustratively, for peak electricity production rates, the period corresponding to months 7-9 is 8 hours, and other months are 6 hours; for the flat electric quantity production rate, the corresponding time period of 7-9 months is 8 hours, and the other months are 10 hours; for the valley charge input rate, the corresponding time period is 8 hours.
The operating capacity may be understood as the maximum electrical load of the enterprise. The calculation formula of the operation capacity is as follows: q is S cos Φ, where is the enterprise transformer capacity and cos Φ is the average power factor for that period. Wherein the calculation formula of cos phi is
Wherein WpIs the active electric quantity of the time period, WqIs the reactive power of the time interval.
The calculation formula of the electricity consumption input rate is that R is equal to P/Q, wherein P is average power, and Q is running capacity.
And 120, scoring the enterprise to be evaluated according to the electricity consumption input rate.
The embodiment can be used for enterprise credit assessment, wherein the enterprise credit assessment comprises enterprise tax, legal affairs, property right, fund status and the like.
In this embodiment, when the method is used for credit assessment of an enterprise, the method for scoring the enterprise to be assessed according to the electricity utilization investment rate may be as follows: determining a first score according to the same-ratio increase rate of the electricity consumption input rate; determining a second score based on the ring ratio growth rate of the power consumption input rate; determining a third score according to the power consumption input rate and the average input rate of the group where the enterprise to be evaluated is located; determining a fourth score according to the arrearage condition of the enterprise to be evaluated; and accumulating the first score, the second score, the third score and the fourth score to obtain the final score of the enterprise to be evaluated.
Wherein the period may be set to one month. The electricity consumption input and output rate is the total electricity input and output rate. The parity growth rate may be understood as the growth rate of the electricity usage input rate of the current month relative to the electricity usage input rate of the same month of the previous year. The ring ratio increase rate can be understood as the increase rate of the electricity consumption rate in the current month is equivalent to the increase rate of the electricity consumption rate in the last month.
Specifically, the manner of determining the first score according to the same-proportion growth rate may be: the first score is obtained by multiplying the percentage of increase by the set score. For example: assuming that the score is set to 0.5 and the percentage increase is 6%, the first score is 6 x 0.5 to 3, with an increase of 6 percentage points. The manner of determining the second score from the ring ratio growth rate may be: the percentage increase is multiplied by a set multiple to obtain a second score. For example: assuming that the fold is set to 2 times and the ring ratio increase rate is-1%, the second score is-1 × 2 — 2.
Specifically, the manner of determining the third score according to the power consumption investment rate and the average investment rate of the group in which the enterprise to be evaluated is located may be: calculating a first increase rate of the electricity consumption input rate relative to the average input rate; calculating a second increase rate of electricity usage input yield relative to the average input yield for the first ranked enterprise in the cohort; calculating a difference between the first growth rate and the second growth rate; setting the third score of the first-ranked business in the group as a first set value; and calculating a third score of the enterprise to be evaluated according to the difference value and the first set value.
The enterprises in the group have the same attribute, and the enterprises having the same attribute in the group can be understood as belonging to the same industry (such as food processing, heavy industry and the like). In this embodiment, a percentage of a difference between the first increase rate and the second increase rate is taken, and the percentage is subtracted from the first setting value to obtain a third score. Illustratively, the third score of the first ranked business is set to 100, and the second growth rate is 20%, and the first growth rate for the business to be evaluated is 10%, then the third score for the business to be evaluated is 100-10-90.
In this embodiment, the manner of calculating the average input/output rate of the enterprise group in the set time according to the power consumption input/output rate of each enterprise may be: calculating a first weighting coefficient of each enterprise according to the running capacity; and carrying out weighted summation on the power consumption investment rate of each enterprise according to the first weighting coefficient to obtain the average investment rate of the enterprise group in a set time length.
The first weighting factor of each enterprise may be calculated according to the operation capacity, wherein the operation capacity of each enterprise is divided by the total operation capacity. For example, assuming that a group of enterprises includes 3 enterprises, which are A, B and C respectively, and the operating capacities are Q1, Q2 and Q3 respectively, the first weighting coefficients of the enterprises A, B and C are L1 ═ Q1/(Q1+ Q2+ Q3), L2 ═ Q2/(Q1+ Q2+ Q3), and L3 ═ Q3/(Q1+ Q2+ Q3), respectively. The power consumption input and output rates of the three enterprises are respectively R1, R2 and R3, and then the average input and output rate of the group is R1R 1+ L2R 2+ L2R 3. Assuming n enterprises, the average input/output rate is
In this embodiment, the power consumption input and output rates of the enterprises in each period and the average input and output rate of the group are calculated as described above.
Specifically, the manner of determining the fourth score according to the arrearage condition of the enterprise to be assessed may be: the debt appears once the year and is cleared within a set time, then the fourth score is 0. If the arrearage appears for a plurality of times, but all the arrearages are cleared within the set time, the fourth score is multiplied by the number of the arrearages which is-5. If the same short term delinquent occurs in history (in recent years), each time a score of-2.5. But the overdue power charge appears and can be used as a negative item.
For example, fig. 2 is a scene diagram of credit assessment for an enterprise in the present embodiment.
In this embodiment, when the method is used for risk control, the method for scoring the enterprise to be assessed according to the electricity consumption yield may be: calculating a geometric growth score of the enterprise to be evaluated; carrying out weighted summation on the total electric quantity production and yield geometric score, the peak electric quantity production and yield geometric score, the flat electric quantity production and yield geometric score and the valley electric quantity production and yield geometric increase score to obtain a fifth score; calculating the ring ratio growth score of the enterprise to be evaluated; weighting and summing the total electric quantity production rate ring ratio score, the peak electric quantity production rate ring ratio score, the flat electric quantity production rate ring ratio score and the valley electric quantity production rate ring ratio increase score to obtain a sixth score; and obtaining the final score of the enterprise to be evaluated according to the fifth score and the sixth score.
Wherein the electricity consumption input rate comprises a total electricity input rate, a peak electricity input rate, a flat electricity input rate and a valley electricity input rate. The concordant increase score comprises a total electricity input and output concordant score, a peak electricity input and output concordant score, a flat electricity input and output concordant score and a valley electricity input and output concordant increase score. The ring ratio increase score comprises a total charge input yield ring ratio score, a peak charge input yield ring ratio score, a flat charge input yield ring ratio score, and a valley charge input yield ring ratio increase score.
Wherein, the geometric growth score can be calculated by determining the percentage of the rate of increase of the electricity consumption yield as the score, for example: assuming a growth rate of 2%, a score of 2 is given, and a score of-3% is given, with a growth rate of-3%.
When used for risk control, the period is one day. The manner of calculating the peer growth score of the enterprise to be evaluated may be: acquiring the electricity consumption input rate of the month same as the month of the previous year and the current day, and determining the electricity consumption input rate as a first input rate; calculating a peer growth score based on the current electricity input rate and the first input rate.
The first input and output rate comprises a first total electric quantity input and output rate, a first peak electric quantity input and output rate, a first average electric quantity input and output rate and a first valley electric quantity input and output rate. The total electric quantity input yield, the peak electric quantity input yield, the flat electric quantity input yield and the valley electric quantity input yield of the month in the same period of the last year are taken as references, and the total electric quantity input yield, the peak electric quantity input yield, the flat electric quantity input yield and the valley electric quantity input yield of the current year are respectively compared with the corresponding references to obtain the geometric increase score. The calculation formula for obtaining the fifth score by weighting and summing the total electric quantity production and yield geometric score, the peak electric quantity production and yield geometric score, the flat electric quantity production and yield geometric score and the valley electric quantity production and yield geometric increase score is as follows: the fifth score is total electricity input yield geometric score 0.3 (weight factor) + peak electricity input yield geometric score 0.3+ flat electricity input yield geometric score 0.3+ valley electricity input yield geometric score 0.1.
And forming an amplification curve by using the fifth grade every day, and assisting in judging whether the power consumption input rate is equivalent to the power consumption production dimension and whether the power consumption production dimension has the risk after credit or not. Counting a fifth score every day, wherein positive value data describe the comprehensive amplitude of the equal-proportion incremental yield, and the larger the positive value is, the smaller the risk is; the larger the negative value, the higher the risk.
Specifically, the manner of calculating the ring ratio growth score of the enterprise to be evaluated may be: acquiring the electricity consumption input rate of a set number of days before the current day, and determining the electricity consumption input rate as a second input rate; a ring ratio increase score is calculated based on the current usage yield and the second usage yield.
Wherein the second input/output rate includes a second total power input/output rate, a second peak power input/output rate, a second average power input/output rate, and a second valley power input/output rate. The forward set number of days may be the current first 5 days. And continuously comparing the total electric quantity input rate, the peak electric quantity input rate, the flat electric quantity input rate and the valley electric quantity input rate of the current day with corresponding standards respectively to obtain the ring ratio increase score by taking the total electric quantity input rate, the peak electric quantity input rate, the flat electric quantity input rate and the valley electric quantity input rate of the current day in five days of the previous five working days as the standards. The calculation formula for obtaining the sixth score by performing weighted summation on the total electric quantity production rate ring ratio score, the peak electric quantity production rate ring ratio score, the flat electric quantity production rate ring ratio score and the valley electric quantity production rate ring ratio increase score is as follows: the sixth score is total electricity input yield ring ratio score 0.3 (weight factor) + peak electricity input yield ring ratio score 0.3+ flat electricity input yield ring ratio score 0.3+ valley electricity input yield ring ratio score 0.1.
By a sixth score of each day, positive value data describe the comprehensive amplitude of the turn-on-yield ratio increment, with the greater the positive value, the less the risk; the larger the negative value, the higher the risk. Exemplarily, fig. 3 is a visualization diagram of the ring ratio increase in the present embodiment.
Specifically, the final score of the enterprise to be evaluated is obtained according to the fifth score and the sixth score, and the fifth score and the sixth score may be weighted and summed to obtain the final score.
And step 130, evaluating the enterprise to be evaluated according to the scores.
When the method is used for enterprise credit assessment, the method for assessing the enterprise to be assessed according to the scores may be as follows: obtaining the scores of all enterprises in a group of the enterprises to be evaluated; respectively sequencing the scores of the enterprises in a plurality of periods to obtain a plurality of sequencing results; and evaluating the enterprise to be evaluated according to the plurality of sequencing results.
When the method is used for risk control, an amplification curve is constructed according to the final score obtained by weighting and summing the fifth score and the sixth score, and the enterprise is evaluated based on the amplification curve.
According to the technical scheme, the power consumption input and output rate of the enterprise to be evaluated in the set time is obtained, then the enterprise to be evaluated is scored according to the power consumption input and output rate, and finally the enterprise to be evaluated is evaluated according to the score. The credit investigation and wind control evaluation method based on the electric power input and output rate provided by the embodiment of the invention realizes the evaluation of enterprises and provides a basis for credit investigation evaluation and risk control.
Example two
Fig. 4 is a schematic structural diagram of a credit investigation and wind control evaluation device based on power input and output rate according to a second embodiment of the present invention, as shown in fig. 4, the device includes: an electricity consumption input rate obtaining module 210, a scoring module 220 and an evaluation module 230.
The power consumption input rate obtaining module 210 is configured to obtain a power consumption input rate of an enterprise to be evaluated within a set time; setting the duration as a period;
the scoring module 220 is used for scoring the enterprise to be evaluated according to the electricity consumption input rate;
and the evaluation module 230 is used for evaluating the enterprise to be evaluated according to the scores.
Optionally, the method is used for enterprise credit investigation evaluation; a scoring module 220 further configured to:
determining a first score according to the same-ratio increase rate of the electricity consumption input rate;
determining a second score based on the ring ratio growth rate of the power consumption input rate;
determining a third score according to the power consumption input rate and the average input rate of the group where the enterprise to be evaluated is located;
determining a fourth score according to the arrearage condition of the enterprise to be evaluated;
and accumulating the first score, the second score, the third score and the fourth score to obtain the final score of the enterprise to be evaluated.
Optionally, the scoring module 220 is further configured to:
calculating a first increase rate of the electricity consumption input rate relative to the average input rate;
calculating a second increase rate of electricity usage input yield relative to the average input yield for the first ranked enterprise in the cohort;
calculating a difference between the first growth rate and the second growth rate;
setting the third score of the first-ranked business in the group as a first set value;
and calculating a third score of the enterprise to be evaluated according to the difference value and the first set value.
Optionally, the evaluation module 230 is further configured to:
obtaining the scores of all enterprises in a group of the enterprises to be evaluated;
respectively sequencing the scores of the enterprises in a plurality of periods to obtain a plurality of sequencing results;
and evaluating the enterprise to be evaluated according to the plurality of sequencing results.
Optionally, the method is for risk control; the input yield rate comprises a total electric quantity input yield rate, a peak electric quantity input yield rate, a flat electric quantity input yield rate and a valley electric quantity input yield rate; an evaluation module 230, further configured to:
calculating a geometric growth score of the enterprise to be evaluated; the concordant increase score comprises a total electric quantity input and output rate concordant score, a peak electric quantity input and output rate concordant score, a flat electric quantity input and output rate concordant score and a valley electric quantity input and output rate concordant increase score;
carrying out weighted summation on the total electric quantity production and yield geometric score, the peak electric quantity production and yield geometric score, the flat electric quantity production and yield geometric score and the valley electric quantity production and yield geometric increase score to obtain a fifth score;
calculating the ring ratio growth score of the enterprise to be evaluated; the ring ratio increase score comprises a total electricity input-output ring ratio score, a peak electricity input-output ring ratio score, a flat electricity input-output ring ratio score and a valley electricity input-output ring ratio increase score;
weighting and summing the total electric quantity production rate ring ratio score, the peak electric quantity production rate ring ratio score, the flat electric quantity production rate ring ratio score and the valley electric quantity production rate ring ratio increase score to obtain a sixth score;
and obtaining the final score of the enterprise to be evaluated according to the fifth score and the sixth score.
Optionally, the period is one day; an evaluation module 230, further configured to:
acquiring the electricity consumption input rate of the month same as the month of the previous year and the current day, and determining the electricity consumption input rate as a first input rate;
a peer growth score was calculated based on the current usage yield and the first yield.
Optionally, the evaluation module 230 is further configured to:
acquiring the electricity consumption input rate of a set number of days before the current day, and determining the electricity consumption input rate as a second input rate;
a ring ratio increase score is calculated based on the current usage yield and the second usage yield.
The device can execute the methods provided by all the embodiments of the invention, and has corresponding functional modules and beneficial effects for executing the methods. For details not described in detail in this embodiment, reference may be made to the methods provided in all the foregoing embodiments of the present invention.
EXAMPLE III
Fig. 5 is a schematic structural diagram of a computer device according to a third embodiment of the present invention. FIG. 5 illustrates a block diagram of a computer device 312 suitable for use in implementing embodiments of the present invention. The computer device 312 shown in FIG. 5 is only an example and should not bring any limitations to the functionality or scope of use of embodiments of the present invention. The device 312 is typically a computing device based on credit reporting and wind control assessment functions for power commissioning rates.
As shown in FIG. 5, computer device 312 is in the form of a general purpose computing device. The components of computer device 312 may include, but are not limited to: one or more processors 316, a storage device 328, and a bus 318 that couples the various system components including the storage device 328 and the processors 316.
The computer device 312 may also communicate with one or more external devices 314 (e.g., keyboard, pointing device, camera, display 324, etc.), with one or more devices that enable a user to interact with the computer device 312, and/or with any devices (e.g., network card, modem, etc.) that enable the computer device 312 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 322. Also, computer device 312 may communicate with one or more networks (e.g., a Local Area Network (LAN), Wide Area Network (WAN), and/or a public Network, such as the internet) via Network adapter 320. As shown, network adapter 320 communicates with the other modules of computer device 312 via bus 318. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the computer device 312, including but not limited to: microcode, device drivers, Redundant processing units, external disk drive Arrays, disk array (RAID) systems, tape drives, and data backup storage systems, among others.
The processor 316 executes programs stored in the storage device 328 to perform various functional applications and data processing, such as performing credit reporting and wind control evaluation methods based on power input and output rates according to the embodiments of the present invention.
Example four
Embodiments of the present invention provide a computer-readable storage medium on which a computer program is stored, the program, when executed by a processing apparatus, implementing a data access method as in embodiments of the present invention. The computer readable medium of the present invention described above may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer readable signal medium may comprise a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network protocol, such as HTTP (HyperText transfer protocol), and may be interconnected with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: acquiring the power consumption input rate of an enterprise to be evaluated within a set time; the set duration is one period; grading the enterprise to be evaluated according to the power consumption input rate; and evaluating the enterprise to be evaluated according to the scores.
Computer program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present disclosure may be implemented by software or hardware. Where the name of an element does not in some cases constitute a limitation on the element itself.
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.
In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A credit investigation and wind control assessment method based on power input and output rate is characterized by comprising the following steps:
acquiring the power consumption input rate of an enterprise to be evaluated within a set time; the set duration is one period;
grading the enterprise to be evaluated according to the power consumption input rate;
and evaluating the enterprise to be evaluated according to the scores.
2. The method of claim 1, wherein the method is used for enterprise credit assessment; and scoring the enterprise to be evaluated according to the power consumption input rate, wherein the scoring comprises the following steps:
determining a first score according to the same-proportion increase rate of the electricity consumption input rate;
determining a second score according to the ring ratio growth rate of the electricity consumption input rate;
determining a third score according to the power consumption input rate and the average input rate of the group where the enterprise to be evaluated is located;
determining a fourth score according to the power shortage charge condition of the enterprise to be evaluated;
and accumulating the first score, the second score, the third score and the fourth score to obtain a final score of the enterprise to be evaluated.
3. The method of claim 2, wherein determining a third score based on the power consumption investment yield and the average investment yield of the group of businesses to be assessed comprises:
calculating a first rate of increase in the electricity input rate relative to the average input rate;
calculating a second rate of increase in electricity usage input yield relative to the average input yield for a first ranked enterprise in the cohort;
calculating a difference between the first growth rate and the second growth rate;
setting a third score of a first-ranked business in the group to be a first set value;
and calculating a third score of the enterprise to be evaluated according to the difference value and the first set value.
4. The method of claim 2, wherein evaluating the business to be evaluated according to the score comprises:
obtaining the scores of all enterprises in the group of the enterprise to be evaluated;
respectively sequencing the scores of the enterprises in a plurality of periods to obtain a plurality of sequencing results;
and evaluating the enterprise to be evaluated according to the sequencing results.
5. The method of claim 1, wherein the method is used for risk control; the input yield rate comprises a total electric quantity input yield rate, a peak electric quantity input yield rate, a flat electric quantity input yield rate and a valley electric quantity input yield rate; and scoring the enterprise to be evaluated according to the power consumption input rate, wherein the scoring comprises the following steps:
calculating a geometric growth score of the enterprise to be evaluated; the percentage increase score comprises a total electric quantity input and output percentage;
weighting and summing the total electric quantity production and yield geometric score, the peak electric quantity production and yield geometric score, the flat electric quantity production and yield geometric score and the valley electric quantity production and yield geometric increase score to obtain a fifth score;
calculating the ring ratio growth score of the enterprise to be evaluated; the ring ratio increase score comprises a total electricity input-output ring ratio score, a peak electricity input-output ring ratio score, a flat electricity input-output ring ratio score and a valley electricity input-output ring ratio increase score;
weighting and summing the total electric quantity production rate ring ratio score, the peak electric quantity production rate ring ratio score, the flat electric quantity production rate ring ratio score and the valley electric quantity production rate ring ratio increase score to obtain a sixth score;
and obtaining the final score of the enterprise to be evaluated according to the fifth score and the sixth score.
6. The method of claim 1, wherein the period is one day; calculating a peer growth score of the enterprise to be evaluated, comprising:
acquiring the electricity consumption input rate of the month same as the month of the previous year and the current day, and determining the electricity consumption input rate as a first input rate;
calculating a peer growth score based on the current electricity input rate and the first input rate.
7. The method of claim 6, wherein calculating a ring-to-ring growth score for the business under evaluation comprises:
acquiring the electricity consumption input rate of a set number of days before the current day, and determining the electricity consumption input rate as a second input rate;
calculating a ring ratio increase score based on the current usage yield and the second yield.
8. A credit investigation and wind control evaluation device based on electric power input and output rate is characterized by comprising:
the power consumption input rate acquisition module is used for acquiring the power consumption input rate of the enterprise to be evaluated within a set time; the set duration is one period;
the scoring module is used for scoring the enterprise to be evaluated according to the power consumption input rate;
and the evaluation module is used for evaluating the enterprise to be evaluated according to the scores.
9. A computer device, the device comprising: comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method for credit and wind control assessment based on power input yield according to any of claims 1-7 when executing the program.
10. A computer-readable storage medium, on which a computer program is stored, wherein the program, when executed by a processing device, implements the method for credit and wind control assessment based on electric power input yield according to any of claims 1-7.
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